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XNASCASS
Market cap535mUSD
Jan 14, Last price  
39.46USD
1D
1.44%
1Q
-8.17%
Jan 2017
-29.19%
Name

Cass Information Systems Inc

Chart & Performance

D1W1MN
XNAS:CASS chart
P/E
17.81
P/S
2.51
EPS
2.22
Div Yield, %
2.98%
Shrs. gr., 5y
-1.51%
Rev. gr., 5y
7.54%
Revenues
213m
+15.99%
66,842,00072,217,00083,255,00089,582,00093,930,00023,839,989,00096,217,000106,535,000111,523,000114,817,000117,206,000120,817,000120,721,000135,302,000148,266,000157,235,000144,956,000154,017,000183,826,000213,227,000
Net income
30m
-13.88%
8,005,00010,946,00015,066,00017,795,00019,006,00016,129,00020,310,00023,009,00023,303,00023,497,00024,033,00023,056,00024,348,00025,014,00030,268,00030,404,00025,176,00028,604,00034,904,00030,059,000
CFO
37m
-28.43%
10,030,00012,453,00015,495,00023,652,00022,030,00019,079,00023,776,00025,642,00035,328,00028,886,00034,843,00033,493,00035,189,00038,890,00048,335,00042,126,00047,781,00034,547,00051,608,00036,936,000
Dividend
Sep 03, 20240.3 USD/sh
Earnings
Jan 23, 2025

Profile

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. It operates through two segments, Information Services and Banking Services. The company's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. It also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as checking, savings, and time deposit accounts; commercial, industrial, and real estate loans; and cash management services to privately-owned businesses and faith-related ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and leased facilities in Fenton, Missouri and Colorado Springs, Colorado. The company was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. Cass Information Systems, Inc. was founded in 1906 and is headquartered in St. Louis, Missouri.
IPO date
Jul 01, 1996
Employees
940
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
213,227
15.99%
183,826
19.35%
Cost of revenue
124,956
142,465
Unusual Expense (Income)
NOPBT
88,271
41,361
NOPBT Margin
41.40%
22.50%
Operating Taxes
7,297
7,996
Tax Rate
8.27%
19.33%
NOPAT
80,974
33,365
Net income
30,059
-13.88%
34,904
22.02%
Dividends
(15,959)
(15,442)
Dividend yield
2.56%
2.44%
Proceeds from repurchase of equity
(5,773)
(5,299)
BB yield
0.93%
0.84%
Debt
Debt current
1,348
Long-term debt
14,300
(2,366,698)
Deferred revenue
2,366,698
Other long-term liabilities
39,485
1,067,600
Net debt
(985,285)
(4,075,228)
Cash flow
Cash from operating activities
36,936
51,608
CAPEX
(14,324)
(5,866)
Cash from investing activities
284,662
(306,390)
Cash from financing activities
(150,072)
(59,204)
FCF
635,926
46,583
Balance
Cash
372,468
955,410
Long term investments
627,117
754,468
Excess cash
988,924
1,700,687
Stockholders' equity
106,066
20,352
Invested Capital
1,301,187
1,478,268
ROIC
5.83%
1.55%
ROCE
6.27%
2.75%
EV
Common stock shares outstanding
13,816
13,808
Price
45.05
-1.68%
45.82
16.53%
Market cap
622,412
-1.62%
632,684
12.29%
EV
(362,873)
(3,502,305)
EBITDA
93,240
46,062
EV/EBITDA
Interest
16,266
3,482
Interest/NOPBT
18.43%
8.42%